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Life insurance as income protection.

Your loved ones depend on your income. To adequately protect the life-style of your family, your life insurance would have to be equal to your net annual income multiplied by the number of years your family would depend on your income in the future. For an example, if your kids are 15 years away of financial independence and your income after tax is 50,000 per year, the amount of life insurance you need is 750,000.

Life insurance for debt protection.

If you want make sure your family would not have to pay for your debt in case of your death, then your life insurance would have to be sufficient to cover for all outstanding financing: mortgages, car loans, credit cards, business loans, lines of credit, etc. In most of the cases personal life insurance like term-10 or term-20 would be cheaper and of higher quality than the insurance that comes with the loan.

Life insurance for estate needs.

Paying estate tax with life insurance proceeds is usually much cheaper than paying the tax with proceeds from estate assets liquidation.

If part of your assets is specifically designated to benefit your heirs, transferring the assets into a life insurance would significantly increase the estate value.

Investing in life insurance.

Investments in life insurance grow tax-free. Some insurance companies also offer an enhancement/bonus on your investment so your investment return is actually higher than the return of the same investment held outside of the life policy.

Life insurance for business owners.

In the case of a business partner death, you would ideally have a life insurance on him, equal to the value of his share of the business, so with the proceeds of the life insurance you can buy out his share of the business from his heirs. the insurance usually comes with a partner buy-out agreement.

Business savings grow tax-free if invested in a life insurance policy.

Life insurance held by the business can in some ways help the shareholders transfer accrued earnings from the company to personal level tax free. This is done by using the so-called Corporate Insured Retirement Program and also by using the Capital Dividend Account of the holding corporation.